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Trean Insurance Group Balance Sheet 2022-2011 | TIG
Brief overview of Trean Insurance Group's financial position
The comparison uses five available annual reports from the 2018–2022 interval.
Assets advanced +97.7% to $1.6 billion from $800.1 million; annual growth near 18.6% reflects a fast increase in scale.
Growth in the asset base was not matched by liabilities: +97.7% versus +82.3%. The balance sheet moved in a more conservative direction.
Equity funds just 19.9% of assets versus previously. The balance sheet is sensitive to weaker results.
The balance sheet holds more cash than interest-bearing debt; net debt is -$30.9 million, indicating minimal leverage.
The cash share moved from 6.7% to 6.8%. A higher figure generally provides more room in an adverse scenario.
Accumulated earnings ended at $62.4 million, a change of +454.5%. They remain an important part of the capital base.
Overall picture
Trean Insurance Group retains a reasonably healthy balance sheet structure, which still needs support from earnings and cash flow.
Annual Balance Sheet Trean Insurance Group
| 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
-30.9 M | -99.2 M | -122 M | -45.2 M | -46.3 M | - | - | - | - | - | - | - |
Long Term Debt |
77.1 M | 30.4 M | 31.6 M | 29 M | 7.3 M | - | - | - | - | - | - | - |
Total Liabilities |
1.27 B | 1.08 B | 960 M | 772 M | 695 M | - | - | - | - | - | - | - |
Retained Earnings |
62.4 M | 128 M | 109 M | 38.7 M | 11.3 M | - | - | - | - | - | - | - |
Total Assets |
1.58 B | 1.5 B | 1.37 B | 919 M | 800 M | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
108 M | 130 M | 153 M | 74.3 M | 53.6 M | - | - | - | - | - | - | - |
Book Value |
315 M | 422 M | 410 M | 147 M | 105 M | - | - | - | - | - | - | - |
Total Shareholders Equity |
315 M | 422 M | 410 M | 142 M | - | - | - | - | - | - | - | - |
All numbers in USD currency
Quarterly Balance Sheet Trean Insurance Group
| 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Long Term Debt |
- | 77.5 M | 29.6 M | 30 M | 30.4 M | 30.9 M | 31.1 M | 31.5 M | 31.6 M | 39.9 M | 31.6 M | 31.6 M | 29 M | 29 M | 29 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Liabilities |
- | 1.18 B | 1.1 B | 1.08 B | 1.08 B | 1.03 B | 988 M | 943 M | 960 M | 963 M | 960 M | 960 M | 772 M | 772 M | 772 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Retained Earnings |
- | 154 M | 146 M | 141 M | 128 M | 127 M | 121 M | 120 M | 109 M | 105 M | 109 M | 113 M | 38.7 M | 40.4 M | 40.4 M | - | 11.3 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Assets |
- | 1.58 B | 1.51 B | 1.49 B | 1.5 B | 1.45 B | 1.41 B | 1.36 B | 1.37 B | 1.36 B | 1.37 B | 1.37 B | 919 M | 919 M | 919 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
- | 81.5 M | 101 M | 104 M | 130 M | 135 M | 101 M | 131 M | 157 M | 165 M | 153 M | 153 M | 74.3 M | 74.3 M | 74.3 M | - | 53.6 M | - | - | - | 45 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Book Value |
- | 403 M | 410 M | 416 M | 422 M | 422 M | 417 M | 413 M | 410 M | 402 M | 410 M | 410 M | 147 M | 147 M | 147 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
- | 403 M | 410 M | 416 M | 422 M | 422 M | 417 M | 413 M | 410 M | 402 M | 410 M | 410 M | 142 M | 132 M | 126 M | 118 M | 105 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Balance Sheet is a fundamental financial report of Trean Insurance Group, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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